| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LISA ROBINETTE3 Filed as: LISA ROBIN ETTE | 1100 MARION STREET SUITE 200 KNOXVILLE, TN 37921 | BLUERE OF TENNESSEE | $10K | — | $10K | 2.38% |
| SHAFER INSURANCE AGENCY INC3 | 1100 MARION STREET SUITE 200 KNOXVILLE, TN 37921 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 4.44% |
| SHAFER INSURANCE AGENCY INC3 Filed as: SHAFER INSURANCE AGENCY | 1100 MARION STREET SUITE 200 KNOXVILLE, TN 37921 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 5.00% |
| SHAFER INSURANCE AGENCY INC3 | 1100 MARION STREET SUITE 200 KNOXVILLE, TN 37921 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 15.00% |
| SHAFER INSURANCE AGENCY INC3 | 1100 MARION STREET SUITE 200 KNOXVILLE, TN 37921 | TELADOC HEALTH, INC. | $7K | — | $7K | 12.49% |
| SHAFER INSURANCE AGENCY INC3 | 1100 MARION STREET SUITE 200 KNOXVILLE, TN 37921 | UNUM INSURANCE COMPANY | $5K | — | $5K | 15.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 526 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 549 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 532 | $290K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 231 | $120K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 532 | $201K |
| Stop-loss / reinsurancereinsurance | BLUERE OF TENNESSEE | 710 | $420K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 540 | $378K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 710 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.